Description: This article discusses considerations for statistical biases that may arise in LTC blocks due to historical benefit reductions. The article explores these biases in the context of experience studies and experience projections.

Description: New for 2017, we are introducing a series of articles by experienced industry professionals who are relatively new to long-term care (LTC).

Description: This article provides an overview of critical illness insurance: history, product description, and the three primary ways to offer critical illness coverage in the United States. This article also contains an illustration of an issue age premium rate calculation, as well as product features and rating applications specific to the various types of critical illness coverage.

Description: Describes benefits of updating homes for aging in place. Calls for stakeholders coalition of: building & tech sectors, LTCI, homecare, health insurance & care.

Description: In this article, the authors explore how the recession has impacted new member enrollment in the various state health care programs and the resulting impact on trend.

Description: The article discovers that mortality is higher for females than for males at higher ages, and suggests "stress" as the explanation. It then discusses mental illness research, including recovery therefrom.

Description: Adjusting the 1985 NAIC Cancer Claim Cost Tables, a collection of morbidity tables, for Inflation and benefit changes Issue No. 34.

Description: This paper is a primer for actuaries with limited experience in accessing and using public data sets. From Small Talk Newsletter, November 2005, Issue No. 25.

Description: First article in a series that walks through the progression from developing LTC assumptions using traditional methods to doing so using predictive analytics.

Description: State regulators' review of predominant LTC Risks after review of year-end AG51 reports.